Mortgage Process

Our mortgage experts partner with our Certified Financial Planners^™ and Chartered Financial Analysts^® to determine an approach that will meet your complex financial needs.

Our rates and products are among the most competitive in the industry. In addition, Opes clients get an in-depth picture of their financial situation and recommended loan strategies that support life goals, income stream, personal risk profile, and tax bracket.

Our integrated analysis process uses our proprietary software to create a personalized financial forecast for each of our clients. This interactive Opes Advantage^™ software lets us forecast our clients’ financial futures by addressing the various “what ifs” in life:

• What is the most appropriate purchase price for my home?
• What would be the best down payment for my situation?
• What impact does my down payment have on my retirement?
• Will I be able to afford my home in retirement?
• What if I retire at age 65? How about age 67?

With the immediate and client specific results our software provides, we can determine which variables can be adjusted to create the most significant impact on our clients’ financial futures.

Every loan we make is in the best interests of our clients. As a full service residential mortgage banking organization, Opes Advisors has the capabilities of big lenders combined with the flexibility of independent ownership. By dealing with the Federal Home Loan Mortgage Corporation (Freddie Mac), the Federal National Mortgage Association (Fannie Mae) and Wall Street Investors directly, Opes Advisors offers our clients best-in-class mortgage loan products and services with financial backing.

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